Recent Fire Damage Posts

Commercial Property Insurance Basics

5/11/2022 (Permalink)

Commercial Insurance Policy A commercial insurance policy can save you a lot of money in the event of a fire.

Property coverage is an essential item in every business budget. Most commercial insurance policies cover damage to your structure in Frederick, CO, as well as any equipment, furniture, or other items that are marred or destroyed in a fire. The answers to the following questions can help you decide which policy to purchase.

What Does a Commercial Insurance Policy Cover?

A basic policy is designed to pay for sudden, accidental occurrences that cause harm to your property. It prevents you from having to pay the cost of fire damage mitigation services out of pocket, and it doesn't just cover the building itself. Other features of your property may be included in the policy:

  • Office equipment
  • Furniture
  • Manufacturing machines
  • Inventory
  • Important documents
  • Landscaping
  • External structures
  • Fences

What Factors Affect Cost?

Most commercial insurance coverage provides comparable protection, but if there are factors that put your business at a higher risk of fire, your policy will likely cost more. For example, a restaurant owner is probably going to pay more for insurance than someone who runs an office building. Newer buildings with better safety features such as fire-resistant building materials and a state-of-the-art fire suppression system can often get better insurance rates. When you meet with your insurance agent, be sure to ask about the factors that affect the cost of your policy.

Does It Matter Whether You Own or Rent?

If you own property, you need insurance to cover all the items listed above in the event of a fire. If you are renting from someone else, though, you still need to protect yourself. Your landlord's policy will probably only cover the items he or she owns. You still need coverage for the items inside, such as computers, phones and files.
A commercial insurance policy can save you a lot of money in the event of a fire. Make sure you have the right coverage for your business.

3 FAQs About Lightning and House Fires

4/19/2022 (Permalink)

Lightning thunderstorm flash over the sky. A lightning bolt's primary goal is to find the least resistant path to penetrate deep into the ground.

Lightning and House Fires

A lightning bolt's primary goal is to find the least resistant path to penetrate deep into the ground. This makes most homes the perfect target. All of the conductive lines in your home attract bolts, which can start a lighting fire in your home. To better protect yourself from suffering this event and having to find a fire remediation company, you should know some of the key facts about minimizing your risk.

1. How Can You Stay Safe During a Storm?

Since water pipes and electric lines will attract the bolt, you should stay away from these during a storm. Avoid touching them. This means you should avoid taking a shower, washing your hands, doing dishes, playing video games, typing on a computer, or using any other wired device to avoid a lighting fire. It is safe to use wireless devices. Stay away from any windows that have metal frames as well.

2. What Should You Do If Your Home Is Struck?

If your house is struck, you should begin looking for signs of lighting fire. Check your attic and other high spots for any smoke. Feel your walls for hidden heat. If you notice anything, call for help. Additionally, watch for debris from chimneys, roofs, and walls.

3. Should You Have a Protection System Installed?

A protection system can greatly reduce fire risk in your home in Platteville, CO. Before spending the money on one, assess your risk of a strike and the proposed benefits. A good insurance policy may be a better option in many locations. However, high-risk homes can benefit from a system. Be sure to read about the various types before installing one.
To protect yourself from a house fire caused by a storm, you should understand more about what you can do to minimize your risk. Knowing what to do in the face of a disaster is also a good option.

How To Maintain Your Sprinkler System

12/31/2021 (Permalink)

Automatic fire sprinkler in the office A reliable fire sprinkler system is essential for keeping your employees safe in the event of a fire.

How to Keep Your Sprinkler System in Working Order

The fire sprinkler system is the primary deterrent for extensive damage and loss of life if a blaze breaks out in your commercial building. Annual inspections on your building in Firestone, CO, must be completed by a professional to remain up to code, but you still need to keep an eye on your system throughout the year to identify necessary maintenance issues. The following checklists can help ensure that your system stays working all year long.

Monthly Checks

Every month, you should check your system's gauges and valves. This helps you identify leaks and make sure the system can properly detect dangerous changes in temperature. Your valves should meet certain criteria:

  • All fully open or closed (depending on system)
  • Free of leaks and visible damage
  • Accessible
  • Properly labeled

If your valves are leaking, you should call not only the company that installed the sprinklers for maintenance but also a water damage remediation company to take care of the fire sprinkler cleanup. Gauges should also be in good condition and showing the right water pressure for your system.

Quarterly Checks

Every three months, you should perform additional checks on your fire sprinkler. It is a good idea to dry test your fire suppression system once a quarter to ensure that it is ready to spring into action if the sensors go off. Check for visible damage to every working part of the system. It should be maintaining adequate pressure. Make sure the alarm sends the correct message when activated. If anything looks wrong or out of place, contact the company that installed the system for maintenance.

A reliable fire sprinkler system is essential for keeping your employees safe in the event of a fire. By sticking to a regular maintenance schedule that includes annual inspections as well as monthly and quarterly inspections, you can rest assured that your system will work when you need it to.

House Fires: 4 Common Culprits

10/27/2021 (Permalink)

five candles lid up Candles can create a really pleasant atmosphere in your area.

Causes of a Home Fire

Most Frederick, CO, residents are familiar with standard fire safety procedures, but what are the common causes? Fires can start in more places than just the kitchen; some can even spread in the most unexpected places of your home. By learning more about these causes, you can lower the chances of a home fire.

1. Lighting

Those gorgeous light fixtures may serve as the centerpiece of the room, but they could pose a safety threat to everyone under your roof. Lampshades that fit close to bulbs can reach dangerously high temperatures when the light is left on for extended periods of time. Your average incandescent bulbs can make materials especially hot, which can subsequently result in a home fire.

2. Unsupervised Children

Parents understand all too well that little ones can get into just about anything. Because kids can often find ways to access out-of-reach items when left alone for mere minutes, it is vital that you warn any younger family members about the dangers of starting a fire inside.

3. Dryers

It's all too easy to forget about that load of laundry when all those other tasks are waiting for you on the list. Your dryer, however, is one of the leading indoor fire causes. Most of the time, fire experts can trace the problem back to a little-known culprit: the lint trap. When lint builds up over time and then is introduced to high heat, it can become the perfect tinder.

4. Candles

Like that perfect lamp, candles can provide a wonderfully warm ambiance to your space. Make sure you keep the aromatic experience safe by never leaving a candle in an unoccupied room. Small flames near curtains or upholstery can also lead to bad news. Avoid a home fire by keeping track of all candles you light in the house.

A house becomes personalized with helpful appliances and customized lighting, and, of course, the people who call it home. However, some items and practices can also quickly become the cause of an accident. Don't wait until it's time for a fire cleaning; prevent accidents before they happen.

Lightning Strikes and House Fires

7/23/2021 (Permalink)

Lightning strike to a house The attic is the location where a lightning fire is most likely to begin.

A lightning fire does not discriminate, making it a relatively rare but nonetheless potential fire hazard for homes not only in Hudson, CO but also all over the country. However, fires started by nature’s electrical discharge are, statistically speaking, more likely to burn wildlands than homes, and it is reassuring to know that restoration experts can set things right after property losses from a home fire.

Facts Regarding Lightning Strikes on Homes

Although lightning is an unpredictable force of nature, statistics and anecdotal evidence offer suggestions about its patterns that can be helpful information.

  • Strikes are more likely to happen during the months of June, July and August.
  • More strikes occur in the afternoon and evening hours between 3 and 9 p.m.
  • Strikes on homes often, but not always, travel along conductive lines like pipes, electrical lines, gutters, and metal framing around windows and doors.
  • The attic is the location where a lightning fire is most likely to begin.
  • Shock waves from thunderbolts have been known to damage materials like cinder block, stone, concrete and brick, and they can also shatter glass.
  • Unplugging electronics during a storm is a prudent move because surge protectors cannot protect them from a direct strike.
  • It is best to stay out of bathrooms and kitchens during an electrical storm to reduce the risk of injury from electricity traveling along pipework. Avoid using corded telephones and computers as well, as they can conduct electricity.
  • Some zones, such as Florida’s gulf coast, have more frequent storm activity than other areas.
  • Lightning protection systems are available for areas where there is more activity.

The phenomenon of atmospheric electricity is exciting for some people and frightening for others. The fact is, a lightning fire is statistically less likely to threaten your home than another type of house fire no matter where you live.

What Every Homeowner Should Know About Furnace Maintenance

7/18/2021 (Permalink)

Technician looking over a gas furnace with a flashlight before cleaning it. Furnace maintenance.

As a homeowner in Johnstown, CO, you have a lot of things to think about on an annual basis. From cleaning rain gutters to preventing cold weather pipe freezing, homeownership can certainly keep you busy! However, it’s important to remember furnace maintenance on your list of things to do around the house. It’s easy to forget about your furnace when it’s working properly, but lack of regular maintenance could eventually lead to other unpleasant responsibilities, such as smoke damage and fire cleaning. Here are a few things every homeowner should know about furnace maintenance.

The Importance of a Maintenance Schedule

A well-maintained furnace is less likely to have problems than one that isn’t regularly serviced. Regular maintenance can help your furnace in the following ways:

  • Ensure efficiency
  • Extend the useful life of the unit
  • Reduce risk of failure
  • Keep your family safe

Many experts recommend that you have your furnace checked by a professional at least once each year (preferably before winter). Of course, if your heating system shows any signs of problems, have it checked right away, even if it’s not within your regular maintenance schedule. Doing so could potentially reduce the risk of fire danger in your home and eliminate the need for fire cleaning services.

Aspects of Furnace Maintenance

Routine furnace maintenance services typically include a thorough check of the vent system, blower and components. If leaks, blockages, or buildup of debris are observed in any of these components, cleaning and repairs may be performed. As part of the furnace inspection, the electrical connections will typically be checked to make sure they’re tight, and belts will be observed for signs of cracks or other damage. The air filter will likely be replaced or cleaned, and the motor’s moving parts may be lubricated to ensure proper motion.

Scheduling Your Maintenance Appointment

If you don’t like the idea of fire cleaning or smoke cleaning, do what you can to take preventative measures and keep your home safe. Regular furnace maintenance appointments should be an essential part of every homeowner’s annual list of responsibilities.